Hi all, first post - just came across the MMM site a few weeks ago, and love everything the community stands for. I've read a ton of MMM posts, as well as "Your Money Or Your Life" and still don't quite understand - when you hit the cross-over point, and are able to live off your monthly investment income... How do you actually use that money? Isn't it tied up in your investment account?
I understand that once you have enough money invested into either a 401k, IRA, taxable account, etc that it generates thousands a month - but how do you access that money without penalty? Apologies if this question has been answered, but I couldn't find it anywhere, and whenever I read a MMM it's all I can think about.